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      <title>经济与理财：开启财富增长之门 - 交互式测验</title>
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    </head>
    <body>
      <div class="main-wrapper">
          <div class="quiz-container">
            <div class="quiz-header">
              <h1>经济与理财：开启财富增长之门 - 交互式测验</h1>
              <p>检验你对文档内容的理解程度</p>
            </div>
            <div id="quiz-content">
                <div class="quiz-body">
                    <div class="progress-bar">
                        <div id="progress-indicator"></div>
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                    <div id="question-container">
                      <p id="question-text"></p>
                      <ul class="options-list" id="options-list"></ul>
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                    <div id="result-container"></div>
                    <div id="hint-container" class="hint-container"></div>
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                <div class="quiz-footer" id="quiz-footer">
                  <button id="prev-btn" class="nav-btn">上一题</button>
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      <script>
        const quizData = [
  {
    "question": "根据文档，设定一个有效的财务目标时应遵循SMART原则。以下哪个目标最符合SMART原则的要求？",
    "options": [
      "我希望尽快变得富有。",
      "在未来的12个月内，通过每月从工资中固定划拨3000元，并减少娱乐开支，为建立应急基金储蓄36000元。",
      "我要努力存很多钱，为以后买房做准备。",
      "计划在5年内通过投资股票实现财务自由。"
    ],
    "correctAnswerIndex": 1,
    "explanation": "SMART原则指出，一个有效的目标应该是具体的（Specific）、可衡量的（Measurable）、可达成的（Achievable）、相关的（Relevant）和有时限的（Time-bound）。选项二明确了时间（12个月）、金额（每月3000，总计36000）、来源（工资划拨和减少开支）和目的（建立应急基金），完全符合SMART原则的所有要求。其他选项则过于模糊、缺乏可衡量性或没有明确的时间限制。",
    "source": "文档中「二、合理规划，确立目标」下的「（一）SMART 原则下的目标设定」部分",
    "hint": "一个好的目标应该像一个清晰的指令，包含做什么（What）、为什么做（Why）、何时完成（When）以及如何衡量（How）。"
  },
  {
    "question": "文档中介绍的“50/30/20 法则”是一种实用的预算方法，其中“30%”的部分建议用于什么类型的支出？",
    "options": [
      "偿还高利息债务。",
      "必要支出，如房租和食品杂货。",
      "储蓄和投资，为未来目标积累资金。",
      "可选支出，如外出就餐、娱乐和购物。"
    ],
    "correctAnswerIndex": 3,
    "explanation": "根据“50/30/20 法则”，收入的50%用于满足生活基本需求的“必要支出”；30%分配给提升生活品质的“可选支出”；而剩下的20%则用于“储蓄和投资”，是实现财务目标的关键。",
    "source": "文档中「三、多管齐下，执行计划」下的「（一）制定实用预算」部分",
    "hint": "这个法则将支出分为三类：Needs (必需品), Wants (想要的东西), 和 Savings (储蓄)。想一想30%对应的是哪一类？"
  },
  {
    "question": "在进行财务规划时，建立“应急资金”是一个重要的短期目标。关于应急资金的规模，文档给出的普遍建议是什么？",
    "options": [
      "储备至少12个月的生活费用，以应对任何极端情况。",
      "储备相当于个人年收入的金额。",
      "储备3到6个月的生活费用，以应对失业、疾病等突发状况。",
      "将所有流动资金都作为应急资金，不进行任何投资。"
    ],
    "correctAnswerIndex": 2,
    "explanation": "文档明确建议，应急资金通常应储备3至6个月的生活费用。这个规模可以在应对大多数短期突发事件（如临时失业、意外医疗支出）和避免因急用钱而中断长期投资或背上高息债务之间取得一个良好的平衡。",
    "source": "文档中「二、合理规划，确立目标」下的「（二）划分短中长期目标」部分",
    "hint": "应急资金的目标是在提供足够安全垫的同时，避免过多现金闲置而错失增长机会。文档给出了一个明确的月数范围。"
  },
  {
    "question": "在管理个人债务时，文档强调的优先偿还策略是什么？",
    "options": [
      "优先偿还金额最小的债务，以获得心理上的成就感。",
      "优先偿还利息最高的债务，例如信用卡欠款。",
      "优先偿还房贷、车贷等长期、有抵押的债务。",
      "平均偿还所有债务，确保每笔债务都在减少。"
    ],
    "correctAnswerIndex": 1,
    "explanation": "文档指出，应优先偿还高利息债务。因为像信用卡这样的高利率债务，如果不及时清偿，利息会迅速累积，导致债务总额“雪球”般越滚越大，极大地侵蚀你的财富。从数学角度看，优先解决高息债务是成本最低的策略。",
    "source": "文档中「三、多管齐下，执行计划」下的「（三）科学管理债务」部分",
    "hint": "从财务效率的角度思考，哪种债务会对你的资金造成最大的“流失”？应该首先堵住那个漏洞。"
  },
  {
    "question": "根据文档，为什么财务规划需要定期复盘和动态调整？",
    "options": [
      "因为最初制定的规划一定是错误的。",
      "主要是为了寻找更高风险、更高回报的投资机会。",
      "因为个人的收入、家庭状况以及外部市场环境等因素会发生变化。",
      "财务规划一旦设定就应保持不变，以体现其严肃性。"
    ],
    "correctAnswerIndex": 2,
    "explanation": "财务规划并非一成不变。文档强调，当个人情况（如收入增减、结婚生子）或外部环境（如经济周期、利率变化）发生显著改变时，原有的规划可能不再适用。因此，必须定期回顾和调整，以确保规划始终与你的当前状况和长期目标保持一致。",
    "source": "文档中「四、定期复盘，动态调整」下的「（二）灵活调整规划」部分",
    "hint": "一个好的规划应该像GPS导航，当遇到修路或新的目的地时，它能够重新计算路径，而不是坚持走老路。"
  },
  {
    "question": "在财务规划的初始“认清现状”阶段，为了全面盘点个人负债，文档推荐了一个什么具体方法？",
    "options": [
      "仅凭记忆列出所有欠款。",
      "只统计房贷和车贷等大额贷款。",
      "通过查询个人征信报告，全面了解贷款和信用卡使用情况。",
      "询问家人和朋友，确认是否有未记录的借款。"
    ],
    "correctAnswerIndex": 2,
    "explanation": "为了准确无误地了解自己的负债全貌，文档建议通过查询个人征信报告。征信报告会详细记录你的所有贷款（银行、消费金融公司等）和信用卡账户的使用、还款情况，是盘点负债最权威、最全面的工具。",
    "source": "文档中「一、认清现状，明确起点」下的「（二）盘点资产与负债」部分",
    "hint": "要获取一份关于你信用历史和债务的官方、全面的“体检报告”，你应该去哪里查找？"
  },
  {
    "question": "关于保险在财务规划中的作用，以下哪项描述最符合文档的观点？",
    "options": [
      "保险是一种高回报的投资工具，应优先配置。",
      "保险的主要目的是在发生意外或风险时提供经济保障，减轻财务冲击。",
      "年轻人身体健康，无需考虑配置任何保险。",
      "应将大部分资金用于购买保险，以确保绝对安全。"
    ],
    "correctAnswerIndex": 1,
    "explanation": "文档将保险定位为财务规划中不可或缺的“保障”部分，而非投资工具。其核心价值在于风险转移，当发生重大疾病、意外、身故等不可预测的事件时，保险赔付款可以弥补收入损失、支付高额医疗费用，防止家庭陷入财务困境，从而保护已有的财富和未来的规划不受冲击。",
    "source": "文档中「三、多管齐下，执行计划」下的「（四）完善保险保障」部分",
    "hint": "想一想，保险是为了让你在最好的时候锦上添花，还是在最坏的时候雪中送炭？"
  }
];
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            const correctCount = score;
            const totalQuestions = quizData.length;
            const answeredCount = userAnswers.filter(a => a !== null).length;
            const wrongCount = answeredCount - correctCount;
            const skippedCount = totalQuestions - answeredCount;
            const accuracy = totalQuestions > 0 ? Math.round((correctCount / totalQuestions) * 100) : 0;
            const errorRate = totalQuestions > 0 ? Math.round((wrongCount / totalQuestions) * 100) : 0;

            const finalScoreHtml =
                '<div class="final-score-container">' +
                '<h2>答题报告</h2>' +
                '<div class="score-summary">' +
                '<div class="score-card">' +
                '<h3>得分</h3>' +
                '<p>' + correctCount + ' / ' + totalQuestions + '</p>' +
                '</div>' +
                '<div class="score-card">' +
                '<h3>正确率</h3>' +
                '<p>' + accuracy + '%</p>' +
                '</div>' +
                '<div class="score-card">' +
                '<h3>错误率</h3>' +
                '<p>' + errorRate + '%</p>' +
                '</div>' +
                '<div class="score-card score-details">' +
                '<table>' +
                '<tr><td>正确</td><td>' + correctCount + '</td></tr>' +
                '<tr><td>错误</td><td>' + wrongCount + '</td></tr>' +
                '<tr><td>未答</td><td>' + skippedCount + '</td></tr>' +
                '</table>' +
                '</div>' +
                '</div>' +
                '<div class="report-actions">' +
                '<button id="review-btn">回顾测验</button>' +
                '<button class="primary" onclick="location.reload()">再试一次</button>' +
                '</div>' +
                '</div>';

            let reportEl = document.querySelector('.final-score-container');
            if (reportEl) {
                reportEl.remove();
            }
            quizContentEl.insertAdjacentHTML('beforeend', finalScoreHtml);
            document.getElementById('review-btn').addEventListener('click', reviewQuiz);
        }

        function reviewQuiz() {
            const reportEl = document.querySelector('.final-score-container');
            if (reportEl) {
                reportEl.remove();
            }

            document.querySelector('.quiz-body').style.display = 'block';
            document.getElementById('quiz-footer').style.display = 'flex';
            
            currentQuestionIndex = 0;
            loadQuestion();
            updateNavigationButtons(); // Ensure nav buttons are correctly displayed
        }

        // Event Delegation for options
        optionsListEl.addEventListener('click', (event) => {
            if (event.target && event.target.matches('li.option-item')) {
                // Check if the question has already been answered
                if (userAnswers[currentQuestionIndex] === null) {
                    const selectedIndex = parseInt(event.target.dataset.index, 10);
                    selectOption(selectedIndex);
                }
            }
        });

        prevBtn.addEventListener('click', goToPreviousQuestion);
        nextBtn.addEventListener('click', goToNextQuestion);
        hintBtn.addEventListener('click', showHint);
        
        // 初始加载
        loadQuestion();
      </script>
    </body>
    </html>
  